About CMS

Andy

Managing Director

Andy has over 21 years of experience in B2B credit management across the GCC. He founded CMS to bring structured, professional credit risk solutions to a region where informal practices remain common. Andrew is a member of the CICM and has worked with businesses across the UAE, Saudi Arabia, Kuwait and Qatar to reduce DSO, recover overdue receivables, and build credit policies that protect cash flow.

Elena

Receivables Manager

Elena leads the debt collection function at CMS, managing the full lifecycle of overdue accounts from initial demand through to resolution. She oversees collection strategy, assigns and directs recovery activity, and ensures all debtor engagement is handled compliantly and professionally. With extensive experience in commercial debt recovery across the GCC, Elena brings structure and consistency to the collection process — maximising recovery rates while protecting client relationships.

Jane

Executive Assistant

Jane is the Executive Assistant to the Managing Director at CMS, where they support daily operations and executive-level functions. They manage client inquiries efficiently, serving as a key point of contact and ensuring all communications handled professionally and in a timely manner. In addition to administrative responsibilities, they assist clients directly by coordinating requests and providing reliable support. With strong organisational skills and attention to details, Jane helps maintain smooth workflows and contribute to delivering a high standard of service and positive client experiences.

Manal

Senior Credit Analyst

Manal is a Senior Credit Analyst at CMS, supporting clients across the GCC region. She prepares comprehensive credit reports by analysing financial data, credit applications, and supporting documents across diverse industries. Manal conducts reference checks and engages with key stakeholders to assess business stability and payment behaviour, ensuring accurate creditworthiness evaluations. She maintains quality control and consistency in report ratings. She also manages client inquiries, providing timely and professional responses.